/* ─── Reset & Base ─────────────────────────────────────────── */
    *, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

    :root {
      /* Professional wealth-management palette (navy + refined gold on white) */
      --bg:      #FFFFFF;
      --bg-alt:  #F4F7FB;   /* cool off-white band */
      --bg-tint: #EBF0F7;
      --navy:    #0A1628;   /* deep navy — ink / dark bands */
      --navy2:   #12233F;
      --navy3:   #1B3157;
      --ink:     #0A1628;
      --ink2:    #263C5A;
      --body:    #4B5D76;
      --muted:   #7C8CA3;
      --line:    #E2E9F1;
      --gold:    #B0872B;   /* refined gold accent */
      --gold2:   #C9A84C;
      --gold-soft: rgba(176,135,43,0.10);
      --white:   #FFFFFF;
      --serif:  'Playfair Display', Georgia, serif;
      --sans:   'Inter', system-ui, sans-serif;
      --radius: 14px;
      --shadow-sm: 0 1px 3px rgba(16,33,60,0.07), 0 1px 2px rgba(16,33,60,0.05);
      --shadow:    0 10px 34px rgba(16,33,60,0.09);
      --shadow-lg: 0 24px 60px rgba(16,33,60,0.13);
      --transition: 0.35s cubic-bezier(0.4,0,0.2,1);
    }

    html { scroll-behavior: smooth; font-size: 16px; }

    body {
      background: var(--bg);
      color: var(--body);
      font-family: var(--sans);
      line-height: 1.7;
      overflow-x: hidden;
      -webkit-font-smoothing: antialiased;
    }

    ::selection { background: var(--gold); color: #fff; }

    /* ─── Utility ──────────────────────────────────────────────── */
    .container { max-width: 1160px; margin: 0 auto; padding: 0 24px; }
    .section    { padding: 104px 0; }
    .section-label {
      font-family: var(--sans);
      font-size: 0.75rem;
      font-weight: 700;
      letter-spacing: 0.2em;
      text-transform: uppercase;
      color: var(--gold);
      margin-bottom: 14px;
    }
    .section-title {
      font-family: var(--serif);
      font-size: clamp(2rem, 4vw, 2.9rem);
      font-weight: 600;
      color: var(--ink);
      line-height: 1.15;
      margin-bottom: 20px;
      letter-spacing: -0.01em;
    }
    .section-sub {
      font-size: 1.05rem;
      color: var(--body);
      max-width: 600px;
      line-height: 1.8;
    }
    .gold-line {
      width: 54px;
      height: 3px;
      background: linear-gradient(90deg, var(--gold), var(--gold2));
      margin: 20px 0 40px;
      border-radius: 2px;
    }
    .fade-in {
      opacity: 0;
      transform: translateY(30px);
      transition: opacity 0.7s ease, transform 0.7s ease;
    }
    .fade-in.visible { opacity: 1; transform: none; }

    /* ─── Navbar ───────────────────────────────────────────────── */
    #navbar {
      position: fixed;
      top: 0; left: 0; right: 0;
      z-index: 1000;
      padding: 20px 0;
      transition: background var(--transition), padding var(--transition), box-shadow var(--transition), border-color var(--transition);
      border-bottom: 1px solid transparent;
    }
    #navbar.scrolled {
      background: rgba(255,255,255,0.92);
      backdrop-filter: blur(14px);
      -webkit-backdrop-filter: blur(14px);
      padding: 13px 0;
      box-shadow: 0 4px 24px rgba(16,33,60,0.07);
      border-bottom: 1px solid var(--line);
    }
    .nav-inner { display: flex; align-items: center; justify-content: space-between; }
    .nav-brand {
      font-family: var(--serif);
      font-size: 1.3rem;
      font-weight: 700;
      color: var(--ink);
      text-decoration: none;
      letter-spacing: 0.01em;
    }
    .nav-brand span { color: var(--gold); }
    .nav-logo { height: 46px; width: auto; display: block; transition: height var(--transition); }
    #navbar.scrolled .nav-logo { height: 38px; }
    .nav-links { display: flex; gap: 34px; list-style: none; }
    .nav-links a {
      font-size: 0.83rem;
      font-weight: 600;
      letter-spacing: 0.04em;
      text-transform: uppercase;
      color: var(--ink2);
      text-decoration: none;
      transition: color var(--transition);
      position: relative;
    }
    .nav-links a::after {
      content: '';
      position: absolute;
      bottom: -5px; left: 0; right: 100%;
      height: 2px;
      background: var(--gold);
      border-radius: 2px;
      transition: right var(--transition);
    }
    .nav-links a:hover { color: var(--gold); }
    .nav-links a:hover::after { right: 0; }
    .nav-cta {
      font-size: 0.8rem;
      font-weight: 700;
      letter-spacing: 0.04em;
      text-transform: uppercase;
      padding: 11px 22px;
      background: var(--navy);
      color: #fff;
      text-decoration: none;
      border-radius: 6px;
      transition: background var(--transition), transform var(--transition), box-shadow var(--transition);
    }
    .nav-cta:hover { background: var(--navy3); transform: translateY(-1px); box-shadow: var(--shadow); }
    .hamburger { display: none; flex-direction: column; gap: 5px; cursor: pointer; padding: 4px; }
    .hamburger span {
      display: block; width: 24px; height: 2px;
      background: var(--ink); border-radius: 2px; transition: var(--transition);
    }
    .hamburger.open span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
    .hamburger.open span:nth-child(2) { opacity: 0; }
    .hamburger.open span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }
    .mobile-menu {
      display: none;
      position: fixed; inset: 0;
      background: rgba(255,255,255,0.98);
      z-index: 999;
      flex-direction: column; align-items: center; justify-content: center; gap: 32px;
    }
    .mobile-menu.open { display: flex; }
    .mobile-menu a {
      font-family: var(--serif);
      font-size: 1.7rem; color: var(--ink); text-decoration: none;
      transition: color var(--transition);
    }
    .mobile-menu a:hover { color: var(--gold); }

    /* ─── Buttons ──────────────────────────────────────────────── */
    .btn-primary {
      display: inline-flex; align-items: center; gap: 9px;
      font-size: 0.9rem; font-weight: 600; letter-spacing: 0.02em;
      padding: 15px 30px;
      background: var(--navy);
      color: #fff; border: none; border-radius: 8px;
      text-decoration: none; cursor: pointer;
      transition: background var(--transition), transform var(--transition), box-shadow var(--transition);
    }
    .btn-primary:hover { background: var(--navy3); transform: translateY(-2px); box-shadow: 0 12px 30px rgba(16,33,60,0.22); }
    .btn-primary.gold { background: linear-gradient(135deg, var(--gold2), var(--gold)); color: var(--navy); }
    .btn-primary.gold:hover { box-shadow: 0 12px 30px rgba(176,135,43,0.35); }
    .btn-secondary {
      display: inline-flex; align-items: center; gap: 9px;
      font-size: 0.9rem; font-weight: 600; letter-spacing: 0.02em;
      padding: 15px 30px;
      background: transparent; color: var(--ink);
      border: 1.5px solid var(--line); border-radius: 8px;
      text-decoration: none;
      transition: border-color var(--transition), color var(--transition), background var(--transition);
    }
    .btn-secondary:hover { border-color: var(--gold); color: var(--gold); background: var(--gold-soft); }

    /* ─── Hero ─────────────────────────────────────────────────── */
    #hero {
      min-height: 100vh;
      display: flex; align-items: center;
      position: relative; overflow: hidden;
      padding: 140px 0 90px;
      background:
        radial-gradient(ellipse 70% 60% at 85% 20%, rgba(176,135,43,0.07) 0%, transparent 60%),
        linear-gradient(180deg, #FFFFFF 0%, #F4F7FB 100%);
    }
    .hero-grid-bg {
      position: absolute; inset: 0;
      background-image:
        linear-gradient(rgba(27,49,87,0.035) 1px, transparent 1px),
        linear-gradient(90deg, rgba(27,49,87,0.035) 1px, transparent 1px);
      background-size: 76px 76px;
      -webkit-mask-image: radial-gradient(ellipse 100% 80% at 50% 30%, black, transparent 80%);
      mask-image: radial-gradient(ellipse 100% 80% at 50% 30%, black, transparent 80%);
      pointer-events: none;
    }
    .hero-inner {
      position: relative; z-index: 1;
      display: grid; grid-template-columns: 1.05fr 0.95fr;
      gap: 56px; align-items: center; width: 100%;
    }
    .hero-badge {
      display: inline-flex; align-items: center; gap: 8px;
      font-size: 0.72rem; font-weight: 700; letter-spacing: 0.14em; text-transform: uppercase;
      color: var(--gold);
      background: var(--gold-soft);
      border: 1px solid rgba(176,135,43,0.28);
      padding: 7px 15px; border-radius: 100px; margin-bottom: 26px;
    }
    .hero-badge::before {
      content: ''; width: 6px; height: 6px; background: var(--gold);
      border-radius: 50%; animation: pulse 2s ease-in-out infinite;
    }
    @keyframes pulse { 0%,100% { opacity: 1; transform: scale(1); } 50% { opacity: 0.4; transform: scale(0.7); } }
    .hero-title {
      font-family: var(--serif);
      font-size: clamp(2.6rem, 5vw, 4.2rem);
      font-weight: 700; line-height: 1.08; color: var(--ink);
      margin-bottom: 18px; letter-spacing: -0.015em;
    }
    .hero-title .gold { color: var(--gold); }
    .hero-tagline {
      font-family: var(--serif);
      font-size: clamp(1.1rem, 2.2vw, 1.35rem);
      font-weight: 400; font-style: italic; color: var(--ink2);
      margin-bottom: 22px;
    }
    .hero-desc { font-size: 1.02rem; color: var(--body); max-width: 520px; line-height: 1.8; margin-bottom: 32px; }
    .hero-ctas { display: flex; gap: 14px; flex-wrap: wrap; margin-bottom: 38px; }
    .hero-chips { display: flex; gap: 12px; flex-wrap: wrap; }
    .hero-chip {
      display: inline-flex; align-items: center; gap: 8px;
      font-size: 0.82rem; font-weight: 600; color: var(--ink2);
      background: #fff; border: 1px solid var(--line); border-radius: 100px;
      padding: 9px 16px; box-shadow: var(--shadow-sm);
    }
    .hero-chip svg { color: var(--gold); flex-shrink: 0; }

    /* Hero chart card */
    .chart-card {
      background: #fff;
      border: 1px solid var(--line);
      border-radius: var(--radius);
      box-shadow: var(--shadow-lg);
      padding: 26px 26px 22px;
      position: relative;
      overflow: hidden;
    }
    .chart-card-head { display: flex; justify-content: space-between; align-items: flex-start; margin-bottom: 6px; }
    .chart-card-title { font-size: 0.8rem; font-weight: 700; letter-spacing: 0.06em; text-transform: uppercase; color: var(--ink2); }
    .chart-card-badge {
      font-size: 0.72rem; font-weight: 700; color: #1F9D57;
      background: rgba(31,157,87,0.1); padding: 4px 10px; border-radius: 100px;
      display: inline-flex; align-items: center; gap: 4px;
    }
    .chart-card-value { font-family: var(--serif); font-size: 2rem; font-weight: 700; color: var(--ink); line-height: 1; margin: 6px 0 2px; }
    .chart-card-sub { font-size: 0.78rem; color: var(--muted); margin-bottom: 14px; }
    .chart-svg { width: 100%; height: auto; display: block; }
    .chart-line { fill: none; stroke: var(--gold); stroke-width: 3; stroke-linecap: round; stroke-linejoin: round;
      stroke-dasharray: 1200; stroke-dashoffset: 1200; animation: draw 2.6s cubic-bezier(0.4,0,0.2,1) 0.3s forwards; }
    @keyframes draw { to { stroke-dashoffset: 0; } }
    .chart-area { opacity: 0; animation: fadeArea 1.4s ease 1.4s forwards; }
    @keyframes fadeArea { to { opacity: 1; } }
    .chart-dot { fill: var(--gold); stroke: #fff; stroke-width: 2.5; opacity: 0; animation: fadeArea 0.6s ease 2.4s forwards; }
    .chart-foot { display: flex; justify-content: space-between; font-size: 0.68rem; color: var(--muted); margin-top: 10px; letter-spacing: 0.03em; }
    .chart-disclaimer { font-size: 0.64rem; color: var(--muted); text-align: center; margin-top: 8px; opacity: 0.85; }

    .hero-scroll {
      position: absolute; bottom: 30px; left: 50%; transform: translateX(-50%);
      display: flex; flex-direction: column; align-items: center; gap: 8px;
      font-size: 0.68rem; letter-spacing: 0.14em; text-transform: uppercase; color: var(--muted);
      animation: scrollBounce 2.4s ease-in-out infinite;
    }
    .hero-scroll::after { content: ''; width: 1px; height: 44px; background: linear-gradient(to bottom, var(--gold), transparent); }
    @keyframes scrollBounce { 0%,100% { transform: translateX(-50%) translateY(0); } 50% { transform: translateX(-50%) translateY(8px); } }

    /* ─── About ─────────────────────────────────────────────────── */
    #about { background: var(--bg-alt); }
    .about-grid { display: grid; grid-template-columns: 1fr 340px; gap: 64px; align-items: center; }
    .about-photo-wrap {
      position: relative; width: 100%;
      background: #fff; border: 1px solid var(--line); border-radius: var(--radius);
      box-shadow: var(--shadow); padding: 14px; overflow: hidden;
    }
    .about-photo-wrap::after {
      content: ''; position: absolute; top: 0; left: 0; right: 0; height: 4px;
      background: linear-gradient(90deg, var(--gold), var(--gold2));
    }
    .about-photo { width: 100%; display: block; border-radius: 10px; }
    .about-tags { display: flex; flex-wrap: wrap; gap: 10px; margin-top: 28px; }
    .about-tag {
      font-size: 0.78rem; font-weight: 600; letter-spacing: 0.03em;
      padding: 6px 15px; background: var(--gold-soft);
      border: 1px solid rgba(176,135,43,0.22); color: var(--gold); border-radius: 100px;
    }
    .about-text p { font-size: 1rem; color: var(--body); line-height: 1.9; margin-bottom: 20px; }
    .about-text p strong { color: var(--ink); font-weight: 600; }
    .about-highlight {
      background: #fff; border: 1px solid var(--line); border-left: 3px solid var(--gold);
      padding: 20px 24px; border-radius: 0 var(--radius) var(--radius) 0; margin: 28px 0; box-shadow: var(--shadow-sm);
    }
    .about-highlight p { font-family: var(--serif); font-size: 1.05rem; font-style: italic; color: var(--ink2); margin: 0; }

    /* ─── How It Works ──────────────────────────────────────────── */
    #how-it-works { background: var(--bg); }
    .hiw-header { text-align: center; margin-bottom: 64px; }
    .hiw-header .gold-line { margin: 20px auto 0; }
    .hiw-steps { display: grid; grid-template-columns: 1fr auto 1fr auto 1fr; align-items: start; gap: 0; }
    .hiw-step { text-align: center; padding: 0 16px; }
    .hiw-step-num {
      width: 64px; height: 64px; border-radius: 50%;
      background: var(--gold-soft); border: 2px solid var(--gold);
      display: flex; align-items: center; justify-content: center; margin: 0 auto 20px;
      font-family: var(--serif); font-size: 1.4rem; font-weight: 700; color: var(--gold); position: relative;
    }
    .hiw-step-icon {
      position: absolute; bottom: -6px; right: -6px; width: 26px; height: 26px;
      background: #fff; border: 1px solid var(--line); border-radius: 50%;
      display: flex; align-items: center; justify-content: center;
    }
    .hiw-step h3 { font-family: var(--serif); font-size: 1.15rem; font-weight: 600; color: var(--ink); margin-bottom: 10px; }
    .hiw-step p { font-size: 0.88rem; color: var(--body); line-height: 1.75; }
    .hiw-connector { display: flex; align-items: center; padding-top: 30px; color: var(--gold); opacity: 0.55; }
    .hiw-connector svg { flex-shrink: 0; }

    /* ─── Offerings ─────────────────────────────────────────────── */
    #offerings { background: var(--bg-alt); }
    .offerings-header { text-align: center; margin-bottom: 60px; }
    .offerings-header .gold-line { margin: 20px auto 0; }
    .offerings-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(260px, 1fr)); gap: 26px; }
    .offer-card {
      background: #fff; border: 1px solid var(--line); border-radius: var(--radius);
      padding: 36px 32px; position: relative; overflow: hidden; box-shadow: var(--shadow-sm);
      transition: border-color var(--transition), transform var(--transition), box-shadow var(--transition);
    }
    .offer-card:hover { border-color: rgba(176,135,43,0.35); transform: translateY(-6px); box-shadow: var(--shadow-lg); }
    .offer-card::after {
      content: ''; position: absolute; bottom: 0; left: 0; right: 100%; height: 3px;
      background: linear-gradient(90deg, var(--gold), var(--gold2)); transition: right 0.5s ease;
    }
    .offer-card:hover::after { right: 0; }
    .offer-icon {
      width: 54px; height: 54px; background: var(--gold-soft); border-radius: 12px;
      display: flex; align-items: center; justify-content: center; margin-bottom: 22px;
    }
    .offer-card h3 { font-family: var(--serif); font-size: 1.2rem; font-weight: 600; color: var(--ink); margin-bottom: 12px; }
    .offer-card p { font-size: 0.9rem; color: var(--body); line-height: 1.8; }
    .offer-list { list-style: none; margin-top: 16px; }
    .offer-list li { font-size: 0.85rem; color: var(--body); padding: 5px 0 5px 18px; position: relative; }
    .offer-list li::before { content: '›'; position: absolute; left: 0; color: var(--gold); font-weight: 700; }

    /* ─── Stats (dark feature band) ─────────────────────────────── */
    #stats {
      background: linear-gradient(135deg, var(--navy) 0%, var(--navy2) 100%);
      padding: 84px 0; position: relative; overflow: hidden;
    }
    #stats::before {
      content: ''; position: absolute; inset: 0;
      background-image:
        linear-gradient(rgba(201,168,76,0.05) 1px, transparent 1px),
        linear-gradient(90deg, rgba(201,168,76,0.05) 1px, transparent 1px);
      background-size: 60px 60px; opacity: 0.6; pointer-events: none;
    }
    .stats-head { text-align: center; margin-bottom: 44px; position: relative; }
    .stats-head .section-label { color: var(--gold2); }
    .stats-head h2 { font-family: var(--serif); font-size: clamp(1.7rem,3vw,2.3rem); font-weight: 600; color: #fff; }
    .stats-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(220px, 1fr)); gap: 2px; position: relative; }
    .stat-item { text-align: center; padding: 30px 28px; position: relative; }
    .stat-item:not(:last-child)::after {
      content: ''; position: absolute; right: 0; top: 25%; bottom: 25%; width: 1px; background: rgba(201,168,76,0.18);
    }
    .stat-number { font-family: var(--serif); font-size: clamp(2.2rem, 4vw, 3.1rem); font-weight: 700; color: var(--gold2); line-height: 1; margin-bottom: 10px; }
    .stat-label { font-size: 0.84rem; font-weight: 600; letter-spacing: 0.06em; color: #E7EDF6; text-transform: uppercase; }
    .stat-sublabel { font-size: 0.76rem; color: #8FA0BB; margin-top: 6px; }

    /* ─── AMC Logos ─────────────────────────────────────────────── */
    #amc { background: var(--bg); padding: 56px 0; border-bottom: 1px solid var(--line); }
    .amc-label { text-align: center; font-size: 0.72rem; font-weight: 700; letter-spacing: 0.18em; text-transform: uppercase; color: var(--muted); margin-bottom: 30px; }
    .amc-track-wrap { overflow: hidden; -webkit-mask-image: linear-gradient(90deg, transparent, black 12%, black 88%, transparent); mask-image: linear-gradient(90deg, transparent, black 12%, black 88%, transparent); }
    .amc-track { display: flex; gap: 14px; width: max-content; animation: marquee 32s linear infinite; }
    .amc-track:hover { animation-play-state: paused; }
    @keyframes marquee { from { transform: translateX(0); } to { transform: translateX(-50%); } }
    .amc-chip {
      flex-shrink: 0; display: flex; align-items: center; gap: 9px; padding: 11px 22px;
      background: #fff; border: 1px solid var(--line); border-radius: 100px; white-space: nowrap; box-shadow: var(--shadow-sm);
      transition: border-color var(--transition), transform var(--transition);
    }
    .amc-chip:hover { border-color: rgba(176,135,43,0.4); transform: translateY(-2px); }
    .amc-dot { width: 7px; height: 7px; border-radius: 50%; background: var(--gold); flex-shrink: 0; }
    .amc-chip span { font-size: 0.82rem; font-weight: 600; letter-spacing: 0.02em; color: var(--ink2); }

    /* ─── Testimonials ──────────────────────────────────────────── */
    #testimonials { background: var(--bg-alt); }
    .testimonials-header { text-align: center; margin-bottom: 56px; }
    .testimonials-header .gold-line { margin: 20px auto 0; }
    .testimonials-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(300px, 1fr)); gap: 26px; }
    .testimonial-card {
      background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 34px; position: relative;
      box-shadow: var(--shadow-sm); transition: border-color var(--transition), box-shadow var(--transition), transform var(--transition);
    }
    .testimonial-card:hover { border-color: rgba(176,135,43,0.28); box-shadow: var(--shadow); transform: translateY(-4px); }
    .testimonial-quote { font-size: 2.6rem; color: var(--gold); opacity: 0.35; font-family: var(--serif); line-height: 0.6; margin-bottom: 14px; }
    .testimonial-stars { color: var(--gold2); font-size: 0.85rem; letter-spacing: 2px; margin-bottom: 14px; }
    .testimonial-text { font-size: 0.94rem; color: var(--ink2); line-height: 1.85; margin-bottom: 24px; }
    .testimonial-author { display: flex; align-items: center; gap: 14px; }
    .author-avatar {
      width: 46px; height: 46px; border-radius: 50%;
      background: linear-gradient(135deg, var(--gold2), var(--gold)); display: flex; align-items: center; justify-content: center;
      font-family: var(--serif); font-size: 1rem; font-weight: 700; color: #fff; flex-shrink: 0;
    }
    .author-name { font-weight: 600; font-size: 0.92rem; color: var(--ink); }
    .author-loc { font-size: 0.78rem; color: var(--muted); margin-top: 2px; }

    /* ─── Why Work With Me ──────────────────────────────────────── */
    #why { background: var(--bg); }
    .why-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 72px; align-items: center; }
    .why-points { display: flex; flex-direction: column; gap: 30px; }
    .why-point { display: flex; gap: 20px; }
    .why-icon {
      width: 50px; height: 50px; flex-shrink: 0; background: var(--gold-soft);
      border: 1px solid rgba(176,135,43,0.25); border-radius: 12px;
      display: flex; align-items: center; justify-content: center; font-size: 1.2rem;
    }
    .why-point-text h4 { font-family: var(--serif); font-size: 1.12rem; font-weight: 600; color: var(--ink); margin-bottom: 6px; }
    .why-point-text p { font-size: 0.9rem; color: var(--body); line-height: 1.75; }
    .why-cta-panel {
      background: linear-gradient(150deg, var(--navy) 0%, var(--navy2) 100%);
      border-radius: var(--radius); padding: 48px 40px; text-align: center; position: relative; overflow: hidden;
      box-shadow: var(--shadow-lg);
    }
    .why-cta-panel::before { content: ''; position: absolute; top: 0; left: 0; right: 0; height: 3px; background: linear-gradient(90deg, transparent, var(--gold2), transparent); }
    .why-cta-panel h3 { font-family: var(--serif); font-size: 1.6rem; color: #fff; margin-bottom: 14px; }
    .why-cta-panel p { font-size: 0.9rem; color: #B9C5D8; line-height: 1.8; margin-bottom: 30px; }
    .arn-badge {
      display: inline-block; font-size: 0.76rem; font-weight: 700; letter-spacing: 0.08em;
      padding: 7px 17px; background: rgba(201,168,76,0.14); border: 1px solid rgba(201,168,76,0.35);
      color: var(--gold2); border-radius: 100px; margin-bottom: 26px;
    }

    /* ─── SIP Calculator ────────────────────────────────────────── */
    #sip-calc { background: var(--bg-alt); }
    .sip-calc-inner { display: grid; grid-template-columns: 1fr 1fr; gap: 56px; align-items: center; }
    .sip-controls { display: flex; flex-direction: column; gap: 26px; }
    .sip-control-group label {
      display: flex; justify-content: space-between; align-items: center;
      font-size: 0.8rem; font-weight: 600; letter-spacing: 0.05em; text-transform: uppercase; color: var(--muted); margin-bottom: 12px;
    }
    .sip-control-group label span { font-family: var(--serif); font-size: 1.05rem; font-weight: 700; color: var(--gold); text-transform: none; letter-spacing: 0; }
    input[type="range"] {
      -webkit-appearance: none; appearance: none; width: 100%; height: 5px;
      background: linear-gradient(90deg, var(--gold) 0%, var(--line) 0%); border-radius: 3px; outline: none;
    }
    input[type="range"]::-webkit-slider-thumb {
      -webkit-appearance: none; width: 22px; height: 22px; border-radius: 50%; background: #fff;
      cursor: pointer; border: 3px solid var(--gold); box-shadow: var(--shadow-sm); transition: transform 0.15s;
    }
    input[type="range"]::-webkit-slider-thumb:active { transform: scale(1.15); }
    input[type="range"]::-moz-range-thumb { width: 22px; height: 22px; border-radius: 50%; background: #fff; cursor: pointer; border: 3px solid var(--gold); }
    .sip-result {
      background: #fff; border: 1px solid var(--line); border-radius: var(--radius);
      padding: 40px; position: relative; overflow: hidden; box-shadow: var(--shadow-lg);
    }
    .sip-result::before { content: ''; position: absolute; top: 0; left: 0; right: 0; height: 4px; background: linear-gradient(90deg, var(--gold), var(--gold2)); }
    .sip-result-label { font-size: 0.72rem; font-weight: 700; letter-spacing: 0.12em; text-transform: uppercase; color: var(--muted); margin-bottom: 6px; }
    .sip-result-value { font-family: var(--serif); font-size: clamp(2rem, 4vw, 2.7rem); font-weight: 700; color: var(--ink); line-height: 1; margin-bottom: 26px; }
    .sip-donut-wrap { display: flex; align-items: center; gap: 26px; margin-bottom: 26px; }
    .sip-donut { position: relative; flex-shrink: 0; width: 130px; height: 130px; }
    .sip-donut svg { transform: rotate(-90deg); }
    .sip-donut-ring { transition: stroke-dasharray 0.6s cubic-bezier(0.4,0,0.2,1), stroke-dashoffset 0.6s cubic-bezier(0.4,0,0.2,1); }
    .sip-donut-center { position: absolute; inset: 0; display: flex; flex-direction: column; align-items: center; justify-content: center; }
    .sip-donut-mult { font-family: var(--serif); font-size: 1.5rem; font-weight: 700; color: var(--ink); line-height: 1; }
    .sip-donut-multlabel { font-size: 0.6rem; letter-spacing: 0.08em; text-transform: uppercase; color: var(--muted); margin-top: 3px; }
    .sip-legend { display: flex; flex-direction: column; gap: 14px; flex: 1; }
    .sip-legend-item .sip-legend-top { display: flex; align-items: center; gap: 8px; font-size: 0.76rem; color: var(--muted); }
    .sip-legend-dot { width: 11px; height: 11px; border-radius: 3px; flex-shrink: 0; }
    .sip-legend-val { font-family: var(--serif); font-size: 1.25rem; font-weight: 700; color: var(--ink); margin-top: 2px; }
    .sip-note { font-size: 0.72rem; color: var(--muted); line-height: 1.6; margin-top: 4px; }

    /* ─── Contact ───────────────────────────────────────────────── */
    #contact { background: var(--bg); position: relative; overflow: hidden; }
    #contact::before {
      content: ''; position: absolute; top: -220px; right: -180px; width: 560px; height: 560px;
      background: radial-gradient(circle, rgba(176,135,43,0.06) 0%, transparent 70%); pointer-events: none;
    }
    .contact-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 72px; align-items: start; position: relative; }
    .contact-info .section-sub { margin-bottom: 38px; }
    .contact-detail { display: flex; align-items: flex-start; gap: 16px; margin-bottom: 22px; }
    .contact-detail-icon {
      width: 44px; height: 44px; flex-shrink: 0; background: var(--gold-soft); border: 1px solid rgba(176,135,43,0.2);
      border-radius: 10px; display: flex; align-items: center; justify-content: center; font-size: 1rem;
    }
    .contact-detail-text strong { display: block; font-size: 0.72rem; font-weight: 700; letter-spacing: 0.08em; text-transform: uppercase; color: var(--gold); margin-bottom: 3px; }
    .contact-detail-text span { font-size: 0.95rem; color: var(--ink2); }
    .contact-detail-text a { color: var(--ink2); text-decoration: none; transition: color var(--transition); }
    .contact-detail-text a:hover { color: var(--gold); }
    .contact-form { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 44px 40px; position: relative; box-shadow: var(--shadow); }
    .contact-form::before { content: ''; position: absolute; top: 0; left: 0; right: 0; height: 4px; background: linear-gradient(90deg, var(--gold), var(--gold2)); border-radius: var(--radius) var(--radius) 0 0; }
    .form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
    .form-group { margin-bottom: 20px; }
    .form-group label { display: block; font-size: 0.74rem; font-weight: 700; letter-spacing: 0.06em; text-transform: uppercase; color: var(--muted); margin-bottom: 8px; }
    .form-group input, .form-group select, .form-group textarea {
      width: 100%; background: var(--bg-alt); border: 1.5px solid var(--line); border-radius: 8px;
      padding: 13px 16px; font-family: var(--sans); font-size: 0.92rem; color: var(--ink); outline: none;
      transition: border-color var(--transition), background var(--transition); appearance: none; -webkit-appearance: none;
    }
    .form-group select {
      background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%23B0872B' stroke-width='1.5' fill='none' stroke-linecap='round'/%3E%3C/svg%3E");
      background-repeat: no-repeat; background-position: right 14px center; padding-right: 40px;
    }
    .form-group input:focus, .form-group select:focus, .form-group textarea:focus { border-color: var(--gold); background: #fff; }
    .form-group input::placeholder, .form-group textarea::placeholder { color: var(--muted); }
    .form-group textarea { resize: vertical; min-height: 84px; }
    .form-submit {
      width: 100%; font-size: 0.92rem; font-weight: 600; letter-spacing: 0.03em; padding: 16px;
      background: var(--navy); color: #fff; border: none; border-radius: 8px; cursor: pointer;
      transition: background var(--transition), transform var(--transition), box-shadow var(--transition);
    }
    .form-submit:hover { background: var(--navy3); transform: translateY(-2px); box-shadow: 0 12px 30px rgba(16,33,60,0.22); }
    .form-note { font-size: 0.74rem; color: var(--muted); text-align: center; margin-top: 14px; line-height: 1.6; }
    .form-consent { display: flex; gap: 11px; align-items: flex-start; margin: 4px 0 22px; cursor: pointer; }
    .form-consent input[type="checkbox"] { flex-shrink: 0; width: 18px; height: 18px; margin-top: 2px; accent-color: var(--gold); cursor: pointer; }
    .form-consent span { font-size: 0.78rem; color: var(--body); line-height: 1.6; }
    .form-consent strong { color: var(--ink); font-weight: 600; }
    .form-consent a { color: var(--gold); text-decoration: none; font-weight: 600; }
    .form-consent a:hover { text-decoration: underline; }
    .form-success { display: none; text-align: center; padding: 20px; }
    .form-success .success-icon { font-size: 2.5rem; margin-bottom: 16px; }
    .form-success h4 { font-family: var(--serif); font-size: 1.4rem; color: var(--ink); margin-bottom: 8px; }
    .form-success p { font-size: 0.9rem; color: var(--body); }

    /* ─── WhatsApp FAB ──────────────────────────────────────────── */
    .whatsapp-fab {
      position: fixed; bottom: 28px; right: 28px; z-index: 900; width: 56px; height: 56px;
      background: #25D366; border-radius: 50%; display: flex; align-items: center; justify-content: center;
      box-shadow: 0 4px 20px rgba(37,211,102,0.45); transition: transform var(--transition), box-shadow var(--transition); text-decoration: none;
    }
    .whatsapp-fab:hover { transform: scale(1.1); box-shadow: 0 8px 32px rgba(37,211,102,0.55); }
    .whatsapp-fab svg { display: block; }
    .whatsapp-fab-tooltip {
      position: absolute; right: 64px; white-space: nowrap; background: var(--navy); color: #fff;
      font-size: 0.78rem; font-weight: 500; padding: 6px 12px; border-radius: 6px; opacity: 0; pointer-events: none; transition: opacity 0.2s;
    }
    .whatsapp-fab:hover .whatsapp-fab-tooltip { opacity: 1; }

    /* ─── Footer (dark band) ────────────────────────────────────── */
    footer { background: var(--navy); padding: 48px 0; }
    .footer-inner { display: flex; flex-direction: column; align-items: center; gap: 20px; text-align: center; }
    .footer-brand { font-family: var(--serif); font-size: 1.2rem; font-weight: 700; color: #fff; letter-spacing: 0.02em; }
    .footer-brand span { color: var(--gold2); }
    .footer-arn { font-size: 0.8rem; letter-spacing: 0.05em; color: var(--gold2); font-weight: 500; }
    .footer-links { display: flex; gap: 28px; list-style: none; }
    .footer-links a { font-size: 0.82rem; color: #A9B7CD; text-decoration: none; transition: color var(--transition); }
    .footer-links a:hover { color: var(--gold2); }
    .footer-disclaimer { font-size: 0.72rem; color: #6E7F98; max-width: 660px; line-height: 1.7; }
    .footer-copy { font-size: 0.75rem; color: #566579; }
    .footer-privacy {
      max-width: 720px; text-align: center; border: 1px solid rgba(201,168,76,0.18);
      background: rgba(201,168,76,0.05); border-radius: var(--radius); padding: 20px 26px; scroll-margin-top: 90px;
    }
    .footer-privacy strong { color: var(--gold2); }
    .footer-privacy > strong { display: block; font-size: 0.8rem; letter-spacing: 0.06em; text-transform: uppercase; margin-bottom: 10px; }
    .footer-privacy p { font-size: 0.74rem; color: #8494AC; line-height: 1.7; margin-bottom: 8px; }
    .footer-privacy p:last-child { margin-bottom: 0; }
    .footer-privacy a { color: var(--gold2); text-decoration: none; }
    .footer-privacy a:hover { text-decoration: underline; }

    /* ─── Responsive ────────────────────────────────────────────── */
    @media (max-width: 980px) {
      .hero-inner { grid-template-columns: 1fr; gap: 44px; }
      .hero-visual { max-width: 460px; }
      .why-grid { grid-template-columns: 1fr; gap: 44px; }
    }
    @media (max-width: 900px) {
      .hiw-steps { grid-template-columns: 1fr; gap: 36px; }
      .hiw-connector { display: none; }
      .section { padding: 76px 0; }
      .about-grid, .contact-grid, .sip-calc-inner { grid-template-columns: 1fr; gap: 44px; }
      .about-visual { order: -1; max-width: 380px; }
      .stat-item:not(:last-child)::after { display: none; }
    }
    @media (max-width: 768px) {
      .nav-links, .nav-cta { display: none; }
      .hamburger { display: flex; }
      .form-row { grid-template-columns: 1fr; }
      .testimonials-grid, .offerings-grid { grid-template-columns: 1fr; }
      .hero-ctas { flex-direction: column; align-items: stretch; }
      .hero-ctas a { text-align: center; justify-content: center; }
      #hero { padding: 120px 0 70px; }
    }
    @media (max-width: 480px) {
      .section { padding: 56px 0; }
      .container { padding: 0 18px; }
      .stats-grid { grid-template-columns: 1fr 1fr; }
      .stat-item { padding: 22px 12px; }
      .contact-form, .sip-result { padding: 26px 20px; }
      .why-cta-panel { padding: 32px 22px; }
      .section-title { font-size: 1.75rem; }
      .hero-title { font-size: 2.4rem; }
      .hero-trust { gap: 18px; }
      .sip-donut-wrap { flex-direction: column; align-items: flex-start; }
    }

    /* ─── FAQ ───────────────────────────────────────────────────── */
    #faq { background: var(--bg-alt); }
    .faq-list { max-width: 820px; margin: 0 auto; }
    .faq-item { background: #fff; border: 1px solid var(--line); border-radius: 12px; margin-bottom: 14px; box-shadow: var(--shadow-sm); overflow: hidden; }
    .faq-item summary { cursor: pointer; list-style: none; padding: 20px 24px; font-family: var(--serif); font-size: 1.05rem; font-weight: 600; color: var(--ink); display: flex; justify-content: space-between; align-items: center; gap: 16px; }
    .faq-item summary::-webkit-details-marker { display: none; }
    .faq-item summary::after { content: '+'; color: var(--gold); font-size: 1.5rem; font-weight: 400; line-height: 1; transition: transform var(--transition); }
    .faq-item[open] summary::after { transform: rotate(45deg); }
    .faq-a { padding: 0 24px 22px; color: var(--body); line-height: 1.8; font-size: 0.94rem; }
    .faq-a strong { color: var(--ink); font-weight: 600; }

    /* ─── Article (Learn) pages ─────────────────────────────────── */
    .article-hero { padding: 132px 0 40px; background: linear-gradient(180deg,#FFFFFF 0%,#F4F7FB 100%); }
    .article-hero .container { max-width: 760px; }
    .article-hero .section-label { color: var(--gold); }
    .article-hero h1 { font-family: var(--serif); font-size: clamp(1.9rem,3.5vw,2.6rem); color: var(--ink); line-height: 1.2; letter-spacing:-0.01em; }
    .article-body { padding: 38px 0 80px; }
    .article-body .container { max-width: 760px; }
    .article-body p { color: var(--body); line-height: 1.9; margin-bottom: 18px; font-size: 1.02rem; }
    .article-body h2 { font-family: var(--serif); font-size: 1.45rem; color: var(--ink); margin: 34px 0 14px; }
    .article-body h3 { font-family: var(--serif); font-size: 1.15rem; color: var(--ink); margin: 26px 0 12px; }
    .article-body strong { color: var(--ink); font-weight: 600; }
    .article-takeaway { background:#fff; border:1px solid var(--line); border-left:3px solid var(--gold); border-radius:0 12px 12px 0; padding:20px 24px; margin:30px 0; box-shadow:var(--shadow-sm); }
    .article-takeaway p { margin:0; color:var(--ink2); font-size:0.98rem; }
    .article-disclaimer { font-size:0.78rem; color:var(--muted); line-height:1.7; border-top:1px solid var(--line); padding-top:20px; margin-top:34px; }
    .article-back { display:inline-flex; align-items:center; gap:8px; color:var(--gold); text-decoration:none; font-weight:600; font-size:0.9rem; }
    .article-back:hover { text-decoration:underline; }
    .article-body ul.article-list { margin: 2px 0 18px; padding-left: 22px; }
    .article-body ul.article-list li { color: var(--body); line-height: 1.8; margin-bottom: 8px; font-size: 1.02rem; }
    .article-body ul.article-list li::marker { color: var(--gold); }